Call reports 2003
COMMUNITY STATE BANK — 2003
What COMMUNITY STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 78,888,000 | 79,335,000 | 78,118,000 | 81,026,000 |
| Total loans | 49,436,000 | 49,047,000 | 49,756,000 | 48,886,000 |
| Allowance for loan losses | 382,000 | 370,000 | 393,000 | 376,000 |
| Securities available for sale | 21,142,000 | 22,075,000 | 19,821,000 | 23,565,000 |
| Securities held to maturity | 814,000 | 621,000 | 684,000 | 1,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,780,000 | 64,922,000 | 62,413,000 | 64,800,000 |
| Interest-bearing deposits | 55,826,000 | 55,995,000 | 54,184,000 | 53,939,000 |
| Noninterest-bearing deposits | 8,954,000 | 8,927,000 | 8,229,000 | 10,861,000 |
| Equity capital | 5,773,000 | 5,903,000 | 5,889,000 | 5,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,100,000 | 2,217,000 | 3,286,000 | 4,324,000 |
| Interest expense | 438,000 | 855,000 | 1,230,000 | 1,587,000 |
| Net interest income | 662,000 | 1,362,000 | 2,056,000 | 2,737,000 |
| Noninterest income | 180,000 | 338,000 | 546,000 | 738,000 |
| Noninterest expense | 611,000 | 1,222,000 | 1,851,000 | 2,480,000 |
| Provision for loan losses | 15,000 | 15,000 | 39,000 | 39,000 |
| Pretax income | 216,000 | 463,000 | 712,000 | 956,000 |
| Income tax | 76,000 | 164,000 | 255,000 | 335,000 |
| Net income | 140,000 | 299,000 | 457,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,285,000 | 5,374,000 | 5,464,000 | 5,559,000 |
| Total capital | 5,667,000 | 5,744,000 | 5,857,000 | 5,935,000 |
| Risk-weighted assets | 47,941,000 | 48,040,000 | 49,108,000 | 48,051,000 |